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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $264,637 | $102,938+157.1% | $94,105+181.2% | $138,895+90.5% |
| Participation rate | 60.0% | 74.6%-14.6pp | 71.9%-11.9pp | 79.9%-19.9pp |
| Annual return | 19.43% | 250.28%-230.9pp | 204.55%-185.1pp | 145.39%-126.0pp |
| Employer contribution / active EE | $3,139 | $2,732+14.9% | $2,504+25.4% | $4,194-25.1% |
| Participant deferral / active EE | $6,869 | $4,196+63.7% | $3,881+77.0% | $6,396+7.4% |
| Admin fee / account holder | $1,855 | $6,600-71.9% | $6,199-70.1% | $12,562-85.2% |